Travel agency team exit contract, insurance product name, insurer's insurance fee and insurance amount? Seek an answer

1. Liu refused to accept the appeal and appealed to the court. He claimed that when insurance salesman A came to undertake business, he told the salesman that the insured had suffered from "cerebral arteriosclerosis" before, but A said "nothing, which did not affect underwriting" and took the initiative to help Liu fill out the insurance policy and give it to Liu for signature.

If strong evidence is produced to prove what he said, then according to the provisions of the Insurance Law, the agent's behavior is regarded as the insurance company's behavior, and the agent's ignorance is also regarded as the insurance company's ignorance, and the insurance company should pay Liu. Insurance companies should deal with the illegal operations of their agents accordingly. In addition, due to the particularity of the insurance contract, we should make a favorable judgment for the insured. But to be clear here, it is not easy to produce such evidence!

2。 I don't think the insurance company should compensate for this case. Although the insured did a physical examination according to the requirements of the insurance company and increased the premium, he did not tell his past medical history truthfully and did not fulfill the obligations of the insured. This insurance contract should be invalid and the insurance company has the right to terminate it.

3. If the applicant and the insured fail to fulfill the obligation of truthful disclosure due to negligence, which is enough to affect the company's decision on whether to agree to underwrite or increase the insurance premium rate, the company has the right to terminate this contract; If the occurrence of the insured accident is seriously affected, the Company will not be liable for paying the insurance premium for the insured accident that occurred before the termination of this contract, but will refund the insurance premium after deducting the handling fee.

According to the case, "with the consent of the travel agency, she used her sister Fiona Fang's ID card and her photo to go through all the travel procedures, and also bought a personal accident insurance for outbound travel". The travel agency knows this situation, but it can't prove that the insurance company knows this situation. So, you can refuse compensation.

The three answers are all my own opinions, and the official opinion O(∩_∩)O is needed to be correct!

Further reading: How to buy insurance, which is good, and teach you how to avoid these "pits" of insurance.